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Jose Fernando
Jose is a 42-year-old man. He lives in the city of Ica with his wife and two children. He is very hard-working and enthusiastic, and he dedicates all of his efforts to helping his family get ahead. Unfortunately, because of the lack of economic resources, and the need to work starting at a young age, Jose was not able to study for a professional degree.

On his own initiative, Jose works in his small carpentry shop. He makes doors, tables, chairs and other items. Jose works every day for approximately 10 hours, and he believes it is going well for him because of his dedication and effort.

Jose is very grateful to the Kiva lenders, since thanks to the help provided to him, he will be able to carry out improvements to his home. He wants to reinforce the walls and lay a concrete floor in his home. In this way, Jose will keep working and exerting himself to achieve his great dream of having a secure and appropriate place for his family to live.
View original language description ↓
Jose es un hombre de 42 años, vive en la ciudad de Ica con su esposa y sus 2 hijos, el es muy trabajador, entusiasta, que dedica todos sus esfuerzos por sacar adelante a su familia; lamentablemente por falta de recursos económicos y por la necesidad de trabajar desde muy joven, Jose no pudo estudiar una carrera profesional.
Por iniciativa propia, Jose trabaja en su pequeña carpintería, el elabora puertas, mesas, sillas y otros, Jose trabaja todos los días por un aproximado de 10 horas y cree que le va bien por su dedicación y esfuerzo.
Jose se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada realizará el mejoramiento de su vivienda, ya que desea reforzar las paredes y ponerle piso de concreto a su hogar, así pues Jose seguirá trabajando y esforzándose para lograr su gran sueño de tener una vivienda segura y adecuada para su familia.

Additional Information

About Caja Rural Señor de Luren

Caja Rural Señor de Luren is a microfinance institution based in Ica in southern Peru that primarily promotes the development of the country’s agricultural sector through lending. Today, it also offers credit for consumers, microenterprises and housing improvements, and has expanded its financial services to promote micro-savings and provide micro-insurance. This institution has been instrumental in helping borrowers recover from the devastating earthquake in the Ica region in 2007, and works with Peru’s National Bank to reach some of the poorest and most remote microfinance clients in the country.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Peru

  • $12,000
    Average annual income
  • 44
    View loans »
    Peru Loans Fundraising
  • $64,489,150
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD